Year-round tax planning for self-employed filers, business owners, and anyone whose income is more complicated than a single paycheck, across Oakland Park, Fort Lauderdale and Broward County.
Almost everything that could have lowered your bill had to happen before December 31. The retirement contribution, the entity election, the equipment purchase, the way you paid yourself. All of it has a deadline that passes quietly while you're not thinking about taxes.
Then you sit down in the spring, and the number is the number. A preparer can only report it accurately. A planner could have changed it.
That's why this work runs May through December instead of showing up in January.
How your business is structured decides what you owe, often for years. The S-corp election is the one most owners hear about and few get a straight answer on. Below a certain revenue it adds payroll paperwork without saving much, and above it the savings are real and recurring.
The largest legal deduction available to most self-employed people, and the one most of them never set up. Contribution limits for business owners are substantially higher than an ordinary IRA.
Income and expenses can often be moved across a tax year on purpose. Accelerating a purchase, deferring an invoice, or timing a large expense can shift real money between brackets.
A deduction you can substantiate is worth more than one you hope holds up. Planning sets the record-keeping up front so the deduction is defensible when it's claimed.
Q2 review, Q3 structure, Q4 the closing window, Q1 filing. The work is spread across the year on purpose.
Review last season's return together. Where did money leave? What structure are you in, and is it still the right one?
Structural decisions. Entity changes, retirement plan setup, payroll. September 15 estimated payment.
The closing window. Equipment, timing, contributions, final moves before December 31 shuts the door.
Filing season. The year is closed, but if the planning was done, the number already reflects it.
Where entity structure, owner compensation and retirement plans move real money every single year.
Nobody withholds on your behalf. Planning is what stops April from being a surprise.
A big year, a new revenue stream, a property sale. Change is exactly when planning earns its fee.
A job plus a business, rentals, investments. More moving parts means more decisions worth making on purpose.
Based in Oakland Park at 2701 W Oakland Park Blvd. Planning conversations happen in the office or by video, wherever you actually are.
Home county. The office is in Oakland Park.
Thirty minutes south, and most of this work happens by video anyway.
North along I-95, in person by appointment or entirely online.
When your books are current, we can see what's happening while there's still time to act on it. Bookkeeping isn't a separate service from tax planning. It's what makes tax planning possible.
See accounting & bookkeeping →Preparation reports what already happened. By the time you sit down in February, the year is closed and most of your options are gone.
Planning happens while you can still act: choosing an entity structure, setting up a retirement plan, timing a purchase, adjusting how you pay yourself. It's the difference between recording the score and playing the game.
Between May and December, while the year is still open. The moves that change what you owe: an S-corp election, a retirement plan, a large equipment purchase, a shift in owner compensation. All of it has to happen before December 31 to count for that year.
A planning conversation in March is a conversation about next year.
Anyone whose income isn't a single W-2. Self-employed filers, contractors, business owners, people with rental or investment income, and anyone whose income changed significantly this year.
If you're a single W-2 employee with no side income, honest answer: planning has less to work with, and we'll tell you that rather than sell you something.
It depends on your revenue, and the honest answer is that below a certain point the S-corp election adds paperwork and payroll obligations without saving much. Above it, the savings get real.
Bring your numbers to a consultation and we'll tell you which side of that line you're on, and what it would actually save.
It depends on the complexity of your situation and whether there are entity or retirement structures involved. The first conversation is free and we quote before any work starts.
The useful way to think about it: planning that doesn't pay for itself isn't planning worth buying, and we'll say so if that's the case.
No. Plenty of planning clients file elsewhere or file themselves. If we plan together and you later want us to prepare the return, that's easier, but it isn't a condition.
A free 15-minute conversation with Djenald Richard, AFSP certified and IRS Directory listed, fifteen-plus years of South Florida returns. No documents needed to start, and no obligation after.